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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,894 | $81,334-35.0% | $113,397-53.4% | $64,097-17.5% |
| Participation rate | 22.9% | 65.6%-42.7pp | 76.5%-53.6pp | 55.2%-32.2pp |
| Annual return | 15.30% | 32.50%-17.2pp | 23.20%-7.9pp | 34.64%-19.3pp |
| Employer contribution / active EE | $579 | $2,077-72.1% | $2,977-80.5% | $1,891-69.4% |
| Participant deferral / active EE | $1,225 | $3,795-67.7% | $5,076-75.9% | $3,080-60.2% |
| Admin fee / account holder | $6,879 | $4,208+63.5% | $11,957-42.5% | $3,454+99.1% |